Capital One cardholders might want to take a look at the fine print on their contracts.The Associated Press

Capital One customers might want to double check some of the fine print on the credit card issuer's most recent cardholder contract update.

According to The Los Angeles Times' David Lazarus, the most recent contract gives Capital One the right to "contact you in any manner we choose." This includes calls, texts, fax, emails and even personal visits.

"As if that weren't creepy enough," writes Lazarus, "Cap One says these visits can be 'at your home and at your place of employment.'"

He adds, "You'd think the 4th Amendment of the Constitution, which guards against unreasonable searches and seizures, would make this sort of thing verboten."

However, according to one lawyer he spoke to, Capital One may have this right because the 4th Amendment applies primarily to law enforcement, not civilians.

Lazarus also notes that the contract allows the company to "modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose," effectively giving them the ability to trick customers into picking up the phone.

Customers expressed their displeasure with these revelations on social media:

(come to my house and get charge .40 cal interest) Capital One says it can show up at cardholders' homes, workplaces http://t.co/bgWJeteQUG

According to the International Business Times, however, Capital One's "personal visit" clause is fairly commonplace, especially among smaller banks.

Capital One's major competitors like Bank of America and Citigroup do not have such clauses though, IBT reported. Wells Fargo & Co. dances around the matter in their agreement, saying they can contact you "using any contact information related to your Account."

Capital One was quick to respond to the backlash, CNN Money reported. In an emailed statement to credit card customers, the company wrote, "Capital One does not visit our cardholders, nor do we send debt collectors to their homes or work."

The company said the rules are the same as those sent to anyone who uses a secured loan from the bank to buy sports vehicles, such as jet skis or snow mobiles. "As a last resort, we may go to a customer's home after appropriate notification if it becomes necessary to repossess the sports vehicle," the statement said.

After the outcry the bank issued a statement saying that it would consider "creating two separate agreements given this language doesn't apply to our general cardholder base."

What do you think about Capital One's "personal visits?" Leave a comment below.